The O-Gold Prepaid Card allows you to enjoy seamless, secure spending using your Gold & Silver balance. Follow this quick guide to apply for your card, set your preferences, and start using it right away.

This article contains the following sections:

• Apply for Your Card
• Learn About Card Benefits
• Choose Your Card Preferences
• Add or Select Your Delivery Address
• Name on Card
• Select Your Payment Method
   

Get Started – Apply for Your Card

1. Open the O-Gold App and go to the Prepaid Card section.

2. Tap Get Card to begin.

3. Review the details about the Prepaid Card — including how it’s powered by your Gold & Silver account.

4. Tap Get Your Free Card to start your application.

💡 Note: Limited free cards are available. Apply early to claim yours!

Learn About Card Benefits

Before completing your request, take a moment to review the key benefits of your O-Gold Prepaid Card:

• 💳 Spend Directly from Your Gold & Silver Balance — No bank link required.

• 🌐 Online & Global Transactions — Supports multiple currencies and international purchases.

• 🔒 Secure Payments — Enjoy peace of mind with every transaction.

• 🏦 Mastercard Acceptance — Works anywhere Mastercard is supported.

Additional Benefits:

• Real-time tracking in the app

• Free SMS and push notifications

• Instant metal conversions at checkout

• Enhanced 3DS security

After reviewing, tap Continue to proceed.

Choose Your Card Preferences

Select how you’d like to use your card:

• Virtual Card – Ideal for online and digital payments.

• Both Virtual and Physical Card – Get instant virtual access plus a physical card delivered to your address.

If you select the physical option, you’ll need to add or confirm your delivery address.

Add or Select Your Delivery Address

If this is your first time applying:

1. Tap Add Delivery Address.

2. Enter the required details:

   • Full Name

   • Phone Number

   • Country and City

   • Area / Street / Building No.

   • (Optional) Apartment or PO Box

3. Tap Save once completed.

If you already have saved addresses, you can select one or add a new address anytime.

Name on Card

Choose the name you’d like to appear on your Prepaid Card.

• Select from your verified account names.

• If there’s an issue or name mismatch, tap Contact Support for help.

Tap Continue once the name is confirmed.

Select Your Payment Method

To complete your application, choose how you’d like to pay:

• O-Gold Wallet Balance

• Saved Payment Card (e.g., Mastercard, Revolut, Wio Bank)

If needed, tap Add New Payment Method to link another card or account.
Once everything looks good, tap Continue to finalize your order.

Your Prepaid Card Application Is Complete!

You’ll receive:

• 🪙 Virtual Card: Instantly activated in your app.

• 💳 Physical Card: Delivered securely to your selected address.

Now you can:

• Spend directly from your Gold & Silver balance

• Track your expenses in real time

• Enjoy worldwide access wherever Mastercard is accepted

Welcome to the Prepaid Card Waitlist!
This guide explains what each stage means, what to expect next, and how to handle common issues like payment failures or cancellations.

This article contains the following sections:

• Join Waitlist
• Approval
• Payment Method Setup
• Payment Failed
• Canceled
• Card Issuing
• Save & Spend

Join Waitlist

Once you submit your prepaid card request, you’ll receive confirmation that your application has been received.

• Status: Application received. You’re on the waitlist.

• Example Timestamp: Submitted on July 30, 2025, 10:43 AM

• You’ll be notified as soon as your card is ready.

• If you’d like to know more about the process, tap Learn more at the top of your screen.

Approval

After review, your application will move to the Approval stage.

• Status: Your application has been approved.

• Next step: The system will automatically charge the 25 AED card fee from your selected payment method.

• Make sure your payment method has sufficient balance or is valid to avoid delays.

Payment Method Setup

Before your card can be issued, you’ll need to select a payment method to pre-authorize the 25 AED card fee.

• You won’t be charged immediately — payment occurs only after approval.

• Available options:

  • OGold Wallet Balance (e.g., Transit Wallet ****3689)

  • Saved Payment Methods: Mastercard, Revolut, Wio Bank, etc.

• You can also add a new payment method anytime.

• Once ready, tap Continue to proceed.

Payment Failed

If your payment method fails (e.g., insufficient funds or expired card), your status will show as Payment Failed.

• Message: We couldn’t process your 25 AED card fee. Please try again from the main screen.

• Next Step: Tap Retry Payment to choose another method or update your card.

• Deadline: Payments must be successfully processed within 7 days, or your application will be automatically canceled.

• You can view this notice in the Waitlist screen:

• 

• “Add funds or change payment method within 7 days to avoid cancellation.”

Canceled

If the 25 AED fee isn’t paid within 7 days of failure:

• Status: Your card request was canceled because the fee wasn’t paid in time.

• Action: Tap Get a Card to reapply and rejoin the waitlist.

Card Issuing

Once payment succeeds, your card enters the Card Issuing stage.

• Status: Your card is being issued.

• The physical card is being prepared or shipped.

• You’ll receive a notification once it’s ready to use.

Save & Spend

This is the final step — your card is now active!

• Status: Your card is ready to use.

• You can now start spending and managing your funds directly from your account.

Notifications

You’ll receive real-time updates at each stage — approval, payment failure, issuance, and activation.
Keep notifications enabled so you never miss an update about your prepaid card status.

Your O-Gold card is ready! To activate it and start spending securely, you’ll need to set up a 4-digit PIN.

Step 1: Open the O-Gold App

Once your card is approved and issued, you’ll see a message saying “Your Card Is Ready!”
Tap Set up a PIN to begin.

Step 2: Set Your PIN

On the Set Your PIN screen:

• Enter a 4-digit PIN of your choice.

• This PIN will protect your card and confirm transactions securely.

• Make sure to choose a code that’s easy for you to remember but hard for others to guess.

Tap Continue to proceed.

Step 3: Activate Your Card

After setting your PIN, tap Activate Card to unlock full access.

Once activated, you can:

• Pay online in multiple currencies.

• Spend anywhere Mastercard is accepted.

• Use your O-Gold card to manage and spend your Gold & Silver balance seamlessly.

Tip:
If you forget your PIN, you can reset it anytime from the O-Gold app’s card settings section.

This guide provides step-by-step instructions on how to manage your O-Gold Prepaid Card via the O-Gold mobile application.
You can set monthly spending limits, track your card activity, and activate your card for use in just a few simple steps.

This article contains the following sections:

• Add Your Card to Apple Wallet

• Track Your Card

• Activate Your Physical Card

• Set Spending Limits

• Monitor Your Card Activity

• View Your Last Payments

• Empty Card State

• Freeze or Unfreeze Your Card

1. Add Your Card to Apple Wallet

To start using your O-Gold Prepaid Card with Apple Pay, simply add it to your Apple Wallet. This allows you to make secure and quick payments directly from your phone.

Steps:

1. Open the O-Gold app.

2. Go to the Your Card section.

3. Tap Add to Apple Wallet to securely add your card for Apple Pay use.

4. Alternatively, if you’re not ready to add the card to Apple Wallet, tap Not Now to skip this step.

2. Track Your Card

Once your card is set up, you can track the delivery status of your physical card and monitor your available funds.

Steps:

1. In the Your Card section, locate the Card Tracker.

2. The tracker will show your card’s delivery status (e.g., Out for delivery).

3. Tap View details for more information about your card’s shipping.

3. Activate Your Physical Card

Before using your O-Gold card for purchases or withdrawals, you need to activate it.

Steps:

1. Navigate to the Activate Physical Card section in your app.

2. Tap Verify & Activate Card.

3. Follow the on-screen instructions to complete activation.

4. Set Spending Limits

Setting a monthly spending limit helps you control your budget and avoid overspending. With O-Gold, you can easily set and adjust your monthly limit anytime.

Steps:

1. In the Your Card section, tap Set Limits.

2. A pop-up will appear to enter your desired monthly limit.

3. Tap Set Limits to save your changes.

5. Monitor Your Card Activity

View your available funds, recent transactions, and monthly spending directly within the app.

In the "Your Card" section:

• Available Funds: Shows how much money you have left to spend.

• Last Payments: Displays recent transactions, including amounts and merchant details.

• If you’ve set limits, you can also see how much you’ve spent and your remaining balance.

6. View Your Last Payments

The Last Payments section allows you to keep track of your recent transactions and monitor your spending easily.

Steps:

1. Scroll down to the Last Payments section on your card screen.

2. Review your most recent transactions, including merchant names, dates, and total amounts spent.

7. Empty Card State

If you haven’t made any transactions or have used all your available funds, your card will display an Empty State.
In this view, you can still check your total balance and monitor your spending limit.

8. Freeze or Unfreeze Your Card

If you lose your card or suspect unauthorized activity, you can immediately freeze it.
Once resolved, you can unfreeze your card anytime.

Steps:

1. In the Your Card section, tap Freeze to lock your card.

2. Tap Unfreeze after the issue is resolved to reactivate your card.

Stay in Control

By following these steps, you can easily manage your O-Gold Prepaid Card and ensure secure, efficient use of your funds.
Regularly track your spending and set limits to stay in control of your financial activities.